Car Insurance Quotes for a Chevy HHR in Chandler

The easiest way to find low-cost prices for Chevy HHR insurance in Chandler is to compare prices regularly from providers in Arizona. Prices can be compared by following these guidelines.

First, try to learn about how insurance works and the things you can control to prevent rate increases. Many policy risk factors that result in higher prices such as at-fault accidents, speeding tickets, and a poor credit score can be improved by paying attention to minor details. Continue reading for ideas to prevent high rates and earn larger discounts.

Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers. Compare rates now

Third, compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find better rates and make a switch, make sure there is no lapse in coverage.

Fourth, provide proper notification to your current company of your intention to cancel your existing policy and submit a signed application and payment for your new coverage. When you receive it, keep the new certificate verifying proof of insurance in an easily accessible location.

An essential thing to point out is to make sure you’re comparing similar limits and deductibles on every price quote and and to get rates from all possible companies. This guarantees an apples-to-apples comparison and the best price selection.

Discount Chevy HHR insuranceUnbelievable but true, nearly 70% of drivers have purchased from the same company for more than four years, and just under half have never taken the time to shop around. Many drivers in Chandler could save about 50% every year just by getting comparison quotes, but most undervalue the rate savings if they changed companies.

All the larger insurance companies allow you to get price estimates directly from their websites. The process is fairly straightforward as you just enter the coverage amounts you desire as requested by the quote form. After you submit the form their system automatically orders credit information and your driving record and returns a price quote based on these and other factors.

The ability to get online price quotes for Chevy HHR insurance in Chandler makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to find the most affordable insurance rates.

In order to fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with the coverages as shown on your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison for exact coverage.

The companies shown below have been selected to offer quotes in Chandler, AZ. If multiple companies are listed, it’s highly recommended you get rates from several of them in order to find the most competitive rates.

Data for Chevy HHR insurance

The price information displayed next covers detailed analysis of insurance premium costs for Chevy HHR models. Having a better understanding of how policy rates are calculated can benefit drivers when making smart choices when purchasing an auto insurance policy.

Chevrolet HHR Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $290 $480 $404 $24 $122 $1,320 $110
HHR LT $290 $480 $404 $24 $122 $1,320 $110
HHR SS $324 $652 $404 $24 $122 $1,526 $127
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can impact insurance rates significantly.

Where to set your deductibles

When shopping for car insurance, a common question is where to set your physical damage deductibles. The tables below may help you to understand the price difference when you choose different deductibles. The first data set uses a $100 deductible and the second price grid uses a $500 deductible.

Chevrolet HHR insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $292 $466 $300 $18 $90 $1,191 $99
HHR LT $292 $466 $300 $18 $90 $1,191 $99
HHR SS $324 $632 $300 $18 $90 $1,389 $116
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Chevrolet HHR insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HHR LS $212 $314 $300 $18 $90 $934 $78
HHR LT $212 $314 $300 $18 $90 $934 $78
HHR SS $236 $428 $300 $18 $90 $1,072 $89
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in your specific Chandler location which can revise price quotes significantly.

We can estimate from the data above that using a $100 deductible costs approximately $23 more each month or $276 each year averaged for all HHR models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 17 months between claims, you would save money going with the higher deductible. The numbers below show how this calculation is made.

Average monthly premium for $100 deductibles: $105
Average monthly premium for $500 deductibles (subtract): – $82
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. That will require some savings in the bank in the event you need to pay the deductible.

Drive safe and save

The information below shows how traffic citations and fender-benders impact Chevy HHR insurance prices for different age groups. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

These discounts can lower your auto insurance rates

Not many people think insurance is cheap, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but less common discounts must be inquired about before you get the savings.Discount auto insurance

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

The diagram below illustrates the difference between Chevy HHR car insurance rates with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, multi-policy, and marriage discounts applied.

A list of companies and a partial list of their discounts are shown below.

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in Chandler. If you would like to view auto insurance companies who offer online Chevy HHR insurance quotes in Arizona, follow this link.

Why insurance is not optional

Despite the high cost of buying insurance for a Chevy HHR in Chandler, maintaining insurance serves a purpose in several ways.

The benefits of buying insurance definitely exceed the cost, especially if you ever need it. Today the average American driver is wasting up to $750 every year so we recommend shopping around at every policy renewal to save money.

Best car insurance in Chandler

Ending up with a good quality insurance provider is difficult considering how many companies provide coverage in Chandler. The ranking information displayed below could help you analyze which auto insurance companies to look at comparing rates with.

Top 10 Chandler Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Auto insurance is unique, just like you

When it comes to the right insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.Safe vehicles cost less to insure
Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Compare rates but buy from a neighborhood Chandler auto insurance agent

Some people would prefer to sit down with an agent and that can be a smart move One of the benefits of comparing insurance prices online is that drivers can save money and get cheap rate quotes but still work with a licensed agent.

Find insurance agent in ChandlerAfter completing this simple form, your information is immediately sent to local insurance agents that give free quotes to get your business. There is no reason to search for any insurance agencies due to the fact that quote results will go to your email. You can get cheaper car insurance rates without requiring a lot of work. If you wish to compare rates from a specific insurance company, you would need to visit that company’s website to submit a rate quote request.

Picking an company should depend on more than just a cheap price. The questions below may impact your decision as well.

Below are agents in Chandler that are able to give price quotes for Chevy HHR insurance in Chandler.

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